Q.How do I budget?
The most important thing about budgeting is that you use a
system that suits you. Once you've done it a few times, it can
take just a few minutes each week to keep on top of it.
Go to our budgeting tips and tools page to find
out more about making the most of your money.
Q.What's so good about having a bank account?
Having an account is safer than carrying large
sums of cash. It can help you to manage your money and may mean you
can pay bills by direct debit. Gas, electric, water and insurance
suppliers often give discounts or cheaper rates for those who pay
by direct debit.
ake a look at our Bank
accounts pages for further advice on choosing the
Q.I'm having problems with debt
Most of us owe money to people most of the
time. Bills are a fact of life, but we may find ourselves swamped
by debts and can’t see a way of paying them all.
If you need help overcoming debt, and would like some free
imaprtial advice, take a look at our Dealing with debt pages.
Q.I need a loan
You shouldn't borrow money if you can't afford
to pay it back, but sometimes an emergency or unexpected
situation arises meaning that you have to borrow.
You should always think about whether you
really need to borrow the money and if it is for something that is
Take a look at our pages on borrowing money for further
Q.Saving for a rainy day
It is important to set aside money, not only for emergencies,
but also for major expenses like education, homes, cars, and
Take a look at our pages on budgeting and saving to find out more.